Groups are smaller communities within the larger ActiveRain. Join groups created by others. or start your own and
get others to join
This is the place to view the past and present contests put on by ActiveRain and its members. Everyone can join the
group and help encourage each other. Current contest will be highlighted posts so it's easy for you all to see. Let it
Curious as to what others in your profession think about a certain product or tool?
AR's community takes the time to leave honest and transparent reviews of their experiences
so you can be a bit wiser about your purchase.
Broken down by categories and subcategories for easy finds
Get an unfiltered look at what real users are saying
Leave a review yourself for others to benefit from
Add new products as you use them and gain points for doing so
ActiveRain University (ARU) provides free on-line training. We coach, consult and support real estate professionals about real estate trends, technology and social media.
ARU Calendar provides class types and registration links
Watch short tutorials on updating your photo, inserting a hyperlink and much more
Sign up for the Daily Drop so you don't miss out on AR's daily happenings
Find answers to most FAQ's
Whatever it is you're into and wherever you are, AR surely has a group for you to join.
Brand, off the wall, specific subject matters…whatever it is you're looking for.
Each time you write a post you can syndicate your post to 5 groups.
And if by chance you don't find what you're looking for, start a new group today!
Get your content in front of more eyes
Search by location or type
Feel free to start your own group
Find some that are close to home and close to heart
Each month AR runs numerous contests as a way for our members to engage in activities
that will boost their business and increase their visibility in the community and beyond.
Earn points by partaking in these contest and climb the leaderboard
Do what's good for you and your business by participating
If you have an idea for a contest, just let us know
Stay motivated and on track with new contests popping up each month
Ask a Real Estate Question
Here's another avenue for you to build relationships with others. Share your expertise with someone searching for answers.
Play the teacher role and help someone out today
Your Homepage will alert you of new questions in your state
A wonderful way to open a door to a possible new client
Ask a question yourself to get help
These state pages or hyper-local pages provide content directly related to a specific geographical location.
State, County, City and Neighborhood pages make it easy for consumers to find what they're looking for.
Post your listings, school information, local events, market reports and more
Consumers peruse these pages for information
Farm your niche market and cover all the happenings in your neighborhood
Four times annually, the Federal Reserve surveys 84 different banks about general banking conditions. One of the survey questions asks about current mortgage lending standards and whether they are loosening or tightening. The chart above is from the April 2008 survey and it illustrates what we already know: It's getting tougher and tougher to get approved for a home loan. Some of the areas in which mortgage guidelines are tightening are well-known: More thorough income documentation Higher credit score requirements More "money in the bank" post-closing Some areas are less well-known: More scrutiny of prior delinquencies Strict review of appraised values (0 comments)
When the everyday "Cost of Living" increases, our dollars don't go as far as they used to. Economists call this inflation. One popular method of measuring inflation is to track prices for 84,000 individual items and lump them together into a "basket". If the overall price is higher, then the economy is experiencing inflation. If a picture is worth a thousand words, this one from The New York Times is worth at least 84,000. Broken down item-by-item, life is more expensive in some places you expected, and some places you didn't. For example, over the past year: Gasoline: +26% Milk: +13.3% (0 comments)
The ubiquity of "free" credit reporting services like FreeCreditReport.com, TrueCredit.com, and AnnualCreditReport.com have helped breed a new generation of credit-aware Americans. Because credit ratings have more importance to everyday life than in years past, this is a welcome development. For example: Lenders use credit ratings to determine borrowing rates Insurers use credit ratings to determine premiums Employers use credit ratings to make hiring decision Unfortunately for Americans, though, not all credit reports are created equal. And when it comes to actually applying for credit in the form of a new credit card or mortgage, the free reports are worth precisely (0 comments)
MORTGAGE REPORT - 05/06/08 12:06 AM
Mortgage rates ended higher last week on stronger-than-expected jobs data, strong consumer spending, and an appetite for riskier investments.But, investors were most excited about the Federal Reserve's hint that its rate-cutting cycle may be over.The week was quiet until Wednesday when the Federal Reserve voted to lower the Fed Funds Rate by a quarter-percent. The rate cut wasn't the big news, however. Market players were most interested in Fed's press release in which it confirmed that the economy is struggling, but improving. The remarks were both soothing and a strong contrast to the Alarmist Analysts -- the ones that make for (0 comments)
80/20 Rule and Foreclosures - 05/01/08 10:20 PM
RealtyTrac released Q1 2008 foreclosure statistics and the data follows an interesting statistical phenomenon most commonly known as the "80/20 Rule".The 80/20 Rule states that 80 percent of the effects come from 20 percent of the causes.In this case, 80 percent of bank repossessions in the first three months of 2008 came from 20 percent of the states in the union.Accounting for 156,463 repossessed homes nationwide:California (40,023 homes)Texas (14,935 homes)Michigan (12,016 homes)Ohio (10,299 homes)Florida (10,185 homes)Georgia (8,265 homes)Arizona (7,956 homes)Colorado (7,022 homes)Tennessee (4,533 homes)Indiana (4,446 homes)Illinois (4,216 homes)Overall, 0.55 percent of homes were repossessed by banks in the first quarter. (0 comments)
Fed Cuts Fed Funds Rate By A Quarter Point - 05/01/08 10:19 PM
The Fed lowered the Fed Funds Rate by a quarter-percent to 2.000% yesterday.Because it is tied to the Fed Funds Rate, Prime Rate also fell by a quarter-percent. Prime Rate is now 5.000%. Holders of home equity lines of credit and credit card debt benefited from the change and will see lower interest costs in next month's statements.Mortgage rate shoppers are also benefitting.Each time the Federal Reserve cuts the Fed Funds Rate, it's meant to stimulate the economy in growth. Too much stimulation can create too much growth and that often leads to inflation (which causes mortgage rates to rise). This (0 comments)
Tax Deductions For Single Payment PMI - 05/01/08 10:13 PM
As you know. MI became tax deductible for 2007 and has recently been extended through 2010. This tax deductibility applies to single financed premium MI (the type of MI that is paid by the borrower, one time, up-front at the settlement table). I often get asked if this deduction is all taken in the first year or if it has to be spread out over time. On January 8, 2008, the IRS gave us guidance to answer this question. They state that a borrower should take the tax deduction for single financed premium MI over an 84-month (7-year) period. So, for (0 comments)
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.